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thru the front picture window, left to right, Olivia, Rachel and Sophia Zenzinger (cq mom and kids from parents) play on a couch at home in Arvada, Colo. on Monday June 25, 2007 at 7725 Marshall St. Rachel Zenzinger gave birth early to her daughter Olivia and the costs for the hospital experience were high. Olivia remained in NICU for several weeks. Even with insurance and an 80/20 co-responsibility the family incurred several thousand dollars in expenses they have recently finished paying. (STEVEN R. NICKERSON / ROCKY MOUNTAIN NEWS) Olivia and Rachel and Sophia and Ted Zenzinger (kids from parents), (cq)

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